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Renowned travel authority and NBC Today show travel editor Peter Greenberg shares his insider secrets.

Americans now travel more than ever before. Yet as our traveling has increased, the service we receive from airlines, hotels, and other agencies has deteriorated dramatically. Industry surveys reveal what you already feel: growing dissatisfaction among travelers of every age, income, and education level. We’ve been abused by the travel experience. Peter Greenberg is here to help. The Travel Detective tells you the things most travel agents can’t — or sometimes just won’t — tell you. In his characteristic friendly and conversational tone, Greenberg tells how to find the secret walk-up fares that can save air travelers hundreds, if not thousands of dollars on last minutes flights; which coach seats on which planes are better than first class; the secret rule to know to avoid being bumped from a flight, which cruise ship brochures lie… More >>

The Travel Detective: How to Get the Best Service and the Best Deals from Airlines, Hotels, Cruise Ships, and Car Rental Agencies

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If you can plan a change, there are some good times to change auto insurance providers which should net you a reduced premium. For instance, your rates will go down at age 25, so if your insurance is set to expire the month of, or after your birthday, start shopping with your new age in mind. If you know that you are about to move or change jobs, consider changing your insurance provider before hand. It might be harder to get insurance if your move was over a long distance; you will now be an un-established person in a new town, which equals higher rates. Your new occupation can change your rates as well, especially if you begin work in a high risk category, or if you will use your vehicle more than you did before.

But, if your driving record is spotless, you are 25 or older, there have been no major changes, and your rates have either stayed the same or gotten higher, than you might consider now the time to shop for a discount. Some companies will match a policy and its price if you tell them upfront that you are doing this. Smart research and some basic knowledge will assure that you are getting the best insurance coverage for the best price.

This article will outline seven techniques that will ensure that you receive the lowest possible car insurance rates.

1 – Choosing the Best Insurer

Cost is certainly one factor when considering car insurance, but your insurer selection should be weighted more heavily on reliability. You could easily call a number of insurance companies, ask for quotes, and simply select the lowest bidder. However, even if the lowest cost insurer saves you hundreds of dollars a year in premium payments, that savings does you no good if you find yourself in an accident, needing car repairs or medical attention, with an unreliable and unresponsive insurance company. A good company is crucial. It’s not just about car insurance best rates.

#2 – Customize Your Policy

Before you begin calling around, it’s important that you determine the level of insurance coverage you need. Not everyone’s insurance needs are the same. Some families own two or three very expensive vehicles, while other families own only older used cars. Some people are members of AAA, while others are not. The specific terms of a policy should be determined by your life situation and the value of the items being insured.

#3 – How to Become Highly Insurable

Whether you’ve already purchased car insurance, or you are getting ready to start looking, one of the best things you can do to obtain the lowest possible rates is to improve those things that car insurance companies look at when they calculate your insurance premium. There are several things you can do in the short term to improve your insurability standing, and there are also things you can do over the long term to improve it as well. This section will describe four major elements of this technique to save money on your car insurance.

#4 – Reduce Your Car’s Insurance Rate

Another extremely effective technique to obtain the lowest possible insurance rate is to improve those things about your car which car insurance companies value the most when they calculate your insurance premium. There are several things that you can do before buying a car that will dramatically decrease your insurance premium. If you’ve already bought a car, however, and are looking for ways to decrease your existing insurance costs, there are still methods you can use that will substantially cut your premium costs.

#5 – Gaming the System

In addition to all of the techniques already listed in this article, there are also additional ways that you can use the insurance industries rating rules and premium calculation system in ways that will reduce your costs. Again, use the industry’s rules to get car insurance best rates.

#6 – Constantly Update Your Policy

One of the most important things that you can do to keep your insurance premium at a minimum is to always remember to update your insurance provider of any changes in your life that can reduce your insurance costs. Forgetting to do this can be very costly.

#7 – Deciding on Liability Only

There comes a point in the life of a car when the decision needs to be made whether or not it is worthwhile to maintain collision and comprehensive insurance coverage.

Getting Rock Bottom Insurance Rates

If you carefully follow each of the sections outlined in this guide, you are guaranteed to receive the lowest possible insurance rates for anyone within your calculated risk bracket. No one should ever overpay for car insurance – especially given the fact that there are so many insurers in the industry competing for your business.

Most people overpay for car insurance out of sheer laziness. However the consumer that understands how car insurance works, and is clever enough to take advantage of all of its loopholes, will save significantly on their premium in the long run.

Before you step foot into another insurance office, or visit another insurance website, make sure to print this guide and follow it carefully in order to ensure that you get the best insurance deal possible. Remember, car insurance best rates are achievable.